As you get older and progress in your career, your desired ratio should increase accordingly. Per a financial planner that Pulliam consulted, the recommended ratios are as follows:

Early career

0-25%

Mid-career

25-100%

Close to retirement

100-200%

Having saved this MSN Money article since it was first published, I am now armed with my SS statement and able to put this simple calculation to use. And now, without further ado, my current wealth score is in....drumroll please!....the mid-career range! Now that's encouraging.